Our Employee Benefits Team
The most knowledgeable and dedicated team of professionals is right here at Ralph Weiner. We will tailor insurance coverage to meet your specific needs. Ralph Weiner and Associates will work closely with your business to develop a comprehensive employee benefit program that has the right mix of health and wellness benefits to retain your valued employees.
Group Health Insurance
Offering the right health insurance benefits can be a challenge. You want to provide the best possible plan for your employees, yet it must be cost-efficient for your business.
Ralph Weiner and Associates is experienced in a wide array of health insurance funding options including fully insured, partial self-funding and stop-loss coverage, as well as alternative funding strategies utilizing health insurance captives.
With the changing face of health insurance in today’s market, we are staying abreast of the latest developments that will affect the coverage you expect as well as the cost impact upon you.
Group Dental Insurance
Group dental insurance is one of the benefits most requested by employees. Many employers provide dental insurance for their employees, but a growing number of employers are offering this as a voluntary benefit that is paid 100% by the employee through payroll deductions.
Group Vision Insurance
A group vision insurance plan is especially attractive for employers because it is inexpensive to offer, yet it’s another employee's favorite. This is a separate plan that provides coverage for eye exams and/or for frames, lenses and contact lenses.
Group Life Insurance
Group life insurance is an integral part of most employee benefits packages. When provided by an employer, employees appreciate the value of life coverage and the additional security it provides to their families. Employers have a wide variety of optional plan designs to customize a group life insurance plan. Optional coverages include voluntary life insurance, supplemental life coverage, accidental death and dismemberment policies, and dependent life insurance.
Group Disability Insurance
Long-Term Disability - In the event that an accident or illness prevents an employee from working for an extended period of time, the financial impact can be severe for the employee and employers. Long term disability (LTD) insurance is designed to help cover the employee’s expenses while their regular income is interrupted.
Short-Term Disability -A steady income is essential for most people. If an accident or illness interrupts that income, it affects both the employee and employer. Short term disability (STD) insurance is designed to replace a portion of the wages lost when a short-term disability occurs.
Health Savings Account
A health savings account (HSA) helps you save money on health care by making you a part of the medical services decision process. Health savings accounts are designed to help you manage medical expenses and reduce the continuing raising of health care expenses. The money you save remains part of your retirement account, even if you leave your present employer. You can also save the money in your account and grow your account through investment earnings. Funds in the account can grow tax-free through investment earnings, just like an IRA.
Flexible Spending Account
Flexible spending accounts, or FSAs, will allow employers and employees to expand the tax-saving benefits of a premium only plan. Flexible spending accounts allow your employees to set aside a portion of their paychecks for health care and dependent daycare expenses before taxes are calculated. The more they take advantage of this benefit, the less you’ll pay for payroll taxes, including Social Security and Medicare.
Agency Partner, Account Management